Perhaps you’ve heard ads encouraging you to consolidate all of your debts into one easy payment, telling you this is the way to get rid of your debt. Before you take that road, there are some important questions you should ask.

What’s the rate of a debt consolidation loan? It may only be one rate,

The public use trail system in the northwest hills of Santa Fe will be expanded by an additional five miles through the new Homewise Homes community at Tessera. The newly expanded trail system winds throughout the Tessera neighborhood, and is easily accessible from Highway 599 and the neighboring Aldea and La Tierra communities. The trail system will be available for use by residents of Tessera and the surrounding neighborhoods,

Practically every year starting in March, we are bombarded by advertisements from retailers telling us to spend our tax refunds in their stores. They entice us with discounts and sometimes even offer to cash out our tax refund checks. These promotions sound like a wise investment. However, your tax refund is not mad money. It’s not even free money.

Homeowner’s insurance will protect your house in case of damages to the property or to household items.

If you are financing your home, your lender will require that you carry homeowner insurance, with a clause that the lender will be on the policy as ‘loss payee’. For example, if there is a fire on the property,

The holidays will be here soon! This is the time of year when we celebrate with our closest friends and family. These moments are precious, and we want them to be as stress-free and enjoyable as possible. Often times, the holidays set our savings back, or we end up maxing out our credit cards. January rolls around,

For a single mom of a two-year-old, being close to family is priceless. Amanda understands the importance of raising her son in a stable environment and in a good neighborhood and in the same city in which her family lives.

“I thought I was going to have to move away from my family because I couldn’t afford to buy a home here in Santa Fe.” Amanda’s move to Albuquerque would have meant a longer commute time to work and seeing loved ones less often.

Debt often gets us into trouble when we spend money we do not have. Instead of saving, we charge purchases on our credit cards or take out small loans. It is easy to lose control by charging our credit cards to their limit or taking out loan after loan. However, open and active credit lines in good standing build our credit and show our worthiness as a borrower.

For many people these four things can spell catastrophe for their credit. However, what most people don’t know is that you can rebuild your credit. Bankruptcy, Foreclosure, Short Sale, and Divorce do not ruin your credit forever. While it’s important to know that they can lower your credit score dramatically,